Dental insurance may not be as much popular as health and life insurances but it can be very handy for the carrier. We all know that dental treatment is much expensive rather any other normal health treatment but if you are having a dental insurance package then you can expect a concession in the treatment or you can have some amount of refund depending upon the policy but there are some limitation of dental insurance plans as they covers only he basic and cheap treatments.
Dental insurance plans
There are three major dental insurance plans that can be taken
- Dental Health Maintenance Organization (DHMO)
- Preferred provider
Indemnity Plans refers to a procedure in which you are supposed to have a dental checkup or treatment from wherever you want and after the treatment, you get a receipt. The insurance company will pay you back some percentage of the paid bill. Sometimes it is quite useful because you can have an urgent treatment without any formal procedures between the insurance companies and the dentists.
Dental Health Maintenance Organization (DHMO):
DHMO is quite more understandable than indemnity because it covers the daily routine checkups as well as major treatment at a predictable cost. In this plan, insurance carrier knows well that how much cost will be covered through his insurance plan and what out of pocket cost need to be paid. So, it is quite easy and understanding.
There is a broad network of registered dentists that cooperates with the insurance company to make a preferred provider network. A patient, who is having an insurance policy, can easily choose his own favorite and trustable dentist (among the registered dentists) to have a basic checkup, proper X-Ray checkup or expensive treatment. However, there is still a limit to be claimed, but out of pocket cost will also be discounted through preferred dentist. There is also a special offer in this policy which allows you to choose your nearby and most favorite dentist; who is even not registered in the preferred network. Obviously, you have to pay some extra money because the dentist is not in the registered preferred network.
There are some restrictions, only some defined treatments and checkups are eligible for dental insurance claim. Obviously, insurance companies are running a business. They have made their insurance policy from some financial experts. You just cannot dodge them to have a successful insurance claim which leads them to a loss. Normally, all kind of dental insurance companies cover only cheap and basic and minor treatments. They don’t cover cosmetic surgeries and dental implant ; as these are much costly jobs. So, it is much hard to find a dental insurance for implants. You have to pay some extra pocket money by yourself to have a successful tooth implant even after claiming some percentage by insurance companies.
Dental insurance in Maryland
Dental insurance plans in Maryland works almost in the same fashion as the other health insurance. In Maryland, if you are having dental insurance and you are paying monthly or annually premiums then you can have some kind of concession from your own favorite doctor. There are several doctors to choose from; moreover you can entertain discounted treatment from your own family dentist.
Dental insurance in Columbia
Dental insurance Columbia has the most versatile insurance offers. You can have dental insurance as regular university group enrollers. Or you can even have student level dental insurance from suitable university in which you are not even enrolled. It mostly deals with the annual plans including defined count of checkups and X-Ray checkups without paying extra bucks. You can even pay however you want in Columbia; as the most registered dentist are having all kind of transaction account maintained.
Dental Insurance MetLife
Dental insurance MetLife is considered to be the largest insurance affiliate program that helps a patient to have any kind of health care in his own budget range. Basically, it deals every case as a group dental enrollment and tries to provide any individual the same benefits as the group enrollers. Further, it covers 100% preventive care and there is no strict timeline for the insurance claim. One can claim the benefit whenever and from wherever.
Dental Insurance Aetna
Dental Insurance Aetna provides you the feasibility of the employee dental plan even without any proper employee involvement. It covers the treatment plan 100% free (without any kind of pocket cost). Moreover, it provides the instant claimable insurance even for the new contractors. Elsewhere, you would have to wait for few months to be eligible for insurance claim but the Aetna provides you the instant claimable insurance from the beginning. An exciting fact is that, Aetna provides a discounted card, acting just like a MasterCard; Aetna discount is instantly available from any of the available dentist. Aetna affiliate network comprising of the most valuable dental treatment providers in the country. Dental Health Alliance (DHA), Dental Network of America (DNOA), Liberty Dental Plan and Humana PPO are just few to count.
Dental insurance guardian
As the name is suggesting, Dental insurance guardian is really a guardian of the dental insurance. It is the best possible dental health insurance plan one can get. It is so much feasible and customizable, if you want to cover only few treatments, you can. If you want it only for few months, you can. If you want to cover expensive treatments too, yes you can. Guardian is one of the best health insurance deals in America. There is no out of pocket cost even in X-Ray and other costly checkups. Moreover, it is probably the only one contract that covers the expensive sealant treatment and orthodontics of the children up to 19 years old. It has much easy online portal for the best information and appointments. If you are living in America and you are confused about dental insurance options then you must consult Dental insurance Guardian. Carefully read all the contracts because there are so much customized options to opt, so choose wisely your best plan. But as you know, nothing is perfect in this world, so as the guardian. It is only available in few states of America. If you are a resident of California, Colorado, Arizona, Illinois, Florida or New York then you are lucky to be eligible for this masterpiece from the dental insurance contracts